Does the postal card have an annual fee, does the postal bank card have an annual fee?

There is no annual fee for the Postal Savings Bank of China.

According to the latest announcement of the Postal Savings Bank of China on the exemption of the annual fee of the Postal Savings Bank of China debit card, the annual fee waiver policy will be implemented for all other debit cards nationwide, and the specific content is announced as follows:

1. The secondary vocational student financial aid card will be exempted for three years from the date of account opening.

2. The general high school student financial aid card will be exempted for three years from the date of account opening.

3. Gold, Platinum and Diamond are free of charge.

4. In accordance with the document No. 268 of 2014 and No. 1250 of 2017, the annual fee and account management fee (including small account management fee, the same below) are automatically waived for the only account (excluding credit card and VIP account) opened in our bank, and for customers who have opened multiple accounts in our bank, the annual fee and account management fee are waived for one account (excluding credit card and VIP account) designated by the bank according to the customer's application.

5. Salary, pension, subsistence allowance, medical insurance, unemployment insurance, provident fund and other social services and financial fund accounts, and other types of agency accounts can be exempted if they meet the requirements, in accordance with the 2011 No. 22 document issued by the China Banking Regulatory Commission.

There are no annual fees and no small account keeping fees.

The postal green card is free of charge and there are no fees.

The postal card is free of charge and there is no annual fee. I've done several.

The Postal Savings Bank card has an annual fee, but the annual fee is waived for the first card you apply for at the Postal Savings Bank. If the user has applied for more than one bank card with Japan Post Bank, then the user can designate one bank card to waive the annual fee. It is worth mentioning that Gold, Platinum and Diamond cards are free of annual fees for life.

Extended information: Types of bank cards.

Classification method. In general, bank cards are divided into credit cards and debit cards according to whether the credit line is granted to the cardholder. In addition, bank cards are ok.

According to different information carriers, it is divided into magnetic stripe card and chip card;

According to whether the issuer is in China, it is divided into domestic card and overseas card;

According to the different issuance objects, it is divided into individual cards and unit cards;

According to the different account currencies, it is divided into RMB card, foreign currency card and dual currency card.

Debit card. Debit cards are divided into debit cards, special cards, and stored-value cards according to different functions. Debit cards cannot be overdrawn.

Debit cards have the functions of transferring, depositing and withdrawing cash, and spending.

A special card is a debit card that is used in a specific area for a specific purpose (referring to the purpose other than the department store, restaurant, and entertainment industry), and has the functions of transferring money and depositing and withdrawing cash.

A prepaid wallet-type debit card is a prepaid wallet-style debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and deducts the money directly from the card during the transaction.

Debit card can be used for online or POS consumption or ATM transfer and withdrawal, no overdraft, the amount in the card is based on the current deposit and interest. Funds are transferred directly from the savings account when spending or withdrawing.

Debit cards generally require a PIN to use. Debit cards can be divided into regular, gold, and platinum cards according to their levels; According to the scope of use, it can be divided into domestic cards and international cards.

Credit card. Credit cards are further divided into credit cards and quasi-credit cards. A credit card is a credit card in which the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and repay the loan later within the credit limit.

Credit card. A credit card, often referred to as a credit card, refers to a credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and repay the loan later within the credit limit.

Quasi-credit card. The quasi-credit card is a single-currency single-account credit card with interest-bearing deposits and settlement in RMB, with functions such as transfer settlement, cash deposit and withdrawal, credit consumption, and online banking transactions.

When the balance of the account is insufficient to pay, the cardholder can overdraft the consumption and cash withdrawal within the specified limited credit limit and charge a certain amount of interest. There is no interest-free repayment period.

Digital bank cards.

On August 15, 2020, the company, Bacera Bank and China UnionPay jointly launched the first digital bank card in China, the QuickPass Card.

On August 31, 2020, China UnionPay released its first digital bank card, the UnionPay Borderless Card.

The annual fee of the postal bank card is 30 yuan a year, which is deducted at one time.

However, now, users can choose an account in each bank, apply for the cancellation of the annual fee, and go to the bank with their valid ID documents and bank cards.

Postal Savings Bank of China debit cards (any debit card type) do not charge an annual fee.

The debit card has a small management fee, the fee standard is, the average daily is less than 100 yuan, 3 yuan is charged every quarter, the deduction time is at the end of the quarter month, and the deduction is proportional, for example: a postal savings debit card, which has 50 yuan in it, has not moved, then within 3 months, the average daily amount of the card is 50, and a small management fee is deducted at the end of the quarter.